ACA Individual Health Fall Open Enrollment 2016

Open enrollment for individual & family ACA health insurance plans is Nov 01, 2015 – Jan 31, 2016. (link for 2016 timeline). and YES, this is for plans ON and OFF the Marketplace.

12/15/2015 deadline for coverage to start 01/01/2016

01/15/2016 deadline for coverage to start 02/01/2016

01/31/2016 deadline for coverage to start 03/01/2016

For individuals and family’s HMO network coverage is what the major companies will offer in Texas for 2016. So yes, the PPO plans will go away if you purchase coverage after the start date of true ACA plans. Plans purchased prior to the “official start” (Oct 1 of 2013 for plans that already started 01/01/2014) of ACA plans are grandfathered in and can stay in place.

Note small and large group plans can and will have no changes for the networks the health insurance company’s offer ( so yes to HMO, PPO, POS and EPO, etc…)

Memorial Hermann is new to the individual market for the Houston TX area only for plans to start in 2016. This carrier will have HMO & PPO plans. So for the greater Houston area there will be a non HMO (PPO) option.

note* For most health insurance companies (carriers) you can purchase plans ON (healthcare.gov) or OFF the marketplace (from the insurance co).